Find Your Ideal Life Insurance Coverage our expert consultation services will protect your family with term & permanent policies
Life insurance is a vital part of planning your and your family’s future. It is crucial to have a policy in-place which can help your family maintain financial security in the event of your death. Everyone’s personal situation is unique. That’s why it’s key to consult our expert life insurance team. The Seltzer Group makes it easy to put together the exact coverage and benefits you need. Our team will reach out to you and discuss in detail what your goals are when it comes to choosing your perfect life insurance plan. Once we have a clear knowledge of what your needs are, we work with you to build a policy that fits them. We know that no two customers are the same. We don’t believe in a one-size-fits-all policy. Instead, we pride ourselves on a giving you a custom plan that lets you rest easy knowing that your family will be taken care of no matter what happens. Our plans give you a level of flexibility that other companies don’t, mixing several different options into one great plan.
There are two major types of life insurance policies: term and permanent.
About Our Term Life Insurance
Term life insurance delivers protection over a set amount of time, the “term,” and will pay out benefits if you pass away during the term. Term life insurance is a good choice if you require coverage for a certain period of time. For example: until your children graduate college, until your mortgage is paid off, etc. Term life policies have lower premiums than permanent life insurance options most of the time. This makes them a great choice for people with specific periods of need. You’ll have the security of knowing that if anything happens to you in your chosen time period, your family will be covered. On the other hand, you won’t be locked in at the end of the period if you decide to leave it.
About Our Permanent Life Insurance
Permanent life insurance, also known as cash-value life insurance, is the proper type of policy for individuals who need a policy which lasts a lifetime. Permanent life insurance policies accrue cash value as you pay into them. That makes them similar to an investment, and they pay out a certain cash amount in the event of your death as long as you continue to pay the premium. This is a great option for providing for your family in the event of your death, no matter where you’re at in life. Unlike term life insurance, this plan lasts indefinitely. So, you won’t have to worry about what happens if you die after your policy expires.
The best way to find which of these two kinds of life insurance is best for you, and which one policy is ideal, is to consult your trusted insurance advisor at the Seltzer Group. Our approach to serving you is centered on finding your unique situation and needs, which enables us to design a plan with the exact level of coverage necessary.